Should I invest in HSBC Flexi Debt Fund-Inst. Growth?

We don't give personal investment advice. HSBC Flexi Debt Fund-Inst. Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.0%. 5-year CAGR: 5.00%.

HSBC

HSBC Flexi Debt Fund-Inst. Growth

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.03%	-9.99%	+9.96	751 / 1129	Q3
1W	+0.17%	-13.04%	+13.20	155 / 1151	Q1
2W	+0.29%	-13.18%	+13.47	149 / 1149	Q1
1M	+0.93%	-13.26%	+14.20	95 / 1137	Q1
3M	+0.72%	-13.15%	+13.86	318 / 1116	Q2
6M	+2.44%	-15.45%	+17.89	314 / 906	Q2
YTD	+0.92%	-15.77%	+16.69	336 / 952	Q2
1Y	+0.70%	-13.09%	+13.78	402 / 820	Q2
2Y	+1.43%	-12.72%	+14.15	208 / 446	Q2
3Y	+3.68%	-11.01%	+14.68	131 / 385	Q2
4Y	+5.71%	-6.52%	+12.23	95 / 339	Q2
5Y	+5.00%	-7.36%	+12.36	99 / 314	Q2
7Y	+5.60%	+2.53%	+3.07	83 / 234	Q2
10Y	+6.44%	+3.14%	+3.30	27 / 101	Q2
Inception	+7.30%	-13.63%	+20.93	264 / 1199	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2022 YTD	+0.92%	-0.28%	+1.20	4 / 14
2021	+1.42%	+5.14%	-3.73	30 / 42
2020	+8.85%	+5.20%	+3.64	7 / 45
2019	+10.16%	-4.85%	+15.01	2 / 56
2018	+4.81%	+1.30%	+3.51	10 / 90
2017	+0.90%	+1.63%	-0.73	55 / 137
2016	+11.40%	+3.02%	+8.38	10 / 181
2015	+5.95%	+2.22%	+3.73	69 / 216
2014	+13.84%	+5.51%	+8.33	24 / 240
2013	+4.26%	-1.95%	+6.22	94 / 276
2012	+10.04%	+1.38%	+8.66	51 / 295

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+7.48%

173 windows

min -1.4% · max 16.6%

96% positive

3-Year rolling

+7.57%

148 windows

min 3.6% · max 11.4%

100% positive

5-Year rolling

+7.59%

124 windows

min 4.5% · max 10.1%

100% positive

7-Year rolling

+7.71%

100 windows

min 5.4% · max 9.3%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.17%

3-year · annualised

Sharpe ratio

-0.89

vs risk-free 6.5%

Sortino ratio

-1.59

Downside-only deviation

Max drawdown

-3.03%

Mar 2020 → Mar 2020

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
25 Nov 2022	₹29.0816
24 Nov 2022	₹29.0896
23 Nov 2022	₹29.0527
22 Nov 2022	₹29.0500
21 Nov 2022	₹29.0301
18 Nov 2022	₹29.0335
17 Nov 2022	₹29.0505
16 Nov 2022	₹29.0317
15 Nov 2022	₹29.0317
14 Nov 2022	₹29.0052

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

HSBC Flexi Debt Fund-Inst. Growth is a Income from HSBC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

HSBC Flexi Debt Fund-Inst. Growth has NAV history starting from 08 Oct 2007, a track record of about 18 years 8 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HSBC Flexi Debt Fund-Inst. Growth is managed by HSBC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Flexi Debt Fund-Inst. Growth has delivered a absolute return of 0.70% — +13.78 pp ahead of the Income category average of -13.09%. The fund ranks #402 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund-Inst. Growth has delivered a CAGR of 3.68% — +14.68 pp ahead of the Income category average of -11.01%. The fund ranks #131 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund-Inst. Growth has delivered a CAGR of 5.00% — +12.36 pp ahead of the Income category average of -7.36%. The fund ranks #99 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund-Inst. Growth exactly 10 years ago would be worth approximately ₹186,657 today — a multiplier of 1.87×, based on the 10-year CAGR of 6.44%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in HSBC Flexi Debt Fund-Inst. Growth over the last 5 years — total invested ₹600,000 — would be worth ₹669,871 today. That's an XIRR (money-weighted annualised return) of 4.35%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund-Inst. Growth = ₹1,200,000 invested. It would currently be worth ₹1,594,148 (multiplier 1.33×). XIRR: 5.54%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Flexi Debt Fund-Inst. Growth ranks #99 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 5.00%.

The worst peak-to-trough decline HSBC Flexi Debt Fund-Inst. Growth has experienced over the last 5-year window is 3.03% — its NAV fell from a high on 09 Mar 2020 to a low on 19 Mar 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HSBC Flexi Debt Fund-Inst. Growth averaged 7.59% (best 10.10%, worst 4.49%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2021, HSBC Flexi Debt Fund-Inst. Growth returned 1.42% — lagging the Income category average of 5.14% by 3.73 pp. It ranked #30 of 42 in its category that year.

HSBC Flexi Debt Fund-Inst. Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. HSBC Flexi Debt Fund-Inst. Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.0%. 5-year CAGR: 5.00%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

HSBC Flexi Debt Fund-Inst. Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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